Summary
Overview
Work History
Education
Skills
Certification
Languages
Personal Information
Timeline
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NIRMAL MAHAPATRA

NIRMAL MAHAPATRA

Summary

Results oriented and success focused banking professional with a proven competence in Credit underwriting and Risk management. Seeking a challenging position where I can leverage my experience to contribute to the growth and success of the organization. Extremely dedicated to ensuring sound financial decisions while fostering positive client relationships. Eager to contribute my skills and strategic insights to drive the credit risk function's success of the organization.

Overview

3
3
years of professional experience
1
1
Certification

Work History

Location Manager (Credit Intelligence & Control)

HDFC BANK LTD.
01.2022 - Current
  • Primary risk analysis and scrutinization of logged in files for Retail Assets and Wholesale banking products using bank approved software, financial tools and timely decision.
  • Analysis of Risks involved in Financial and Income documents along with detailed verification of possible stakeholders of organization.
  • Responsible for monitoring and guidance to subordinates and counterpart department to mitigate possible financial loss of the organization and to support the reporting, escalation, and timely remediation of issues, deficiencies or regulatory matters regarding compliance risk management.
  • Surprise visits, compliance check and auditing of Agencies and DSAs empanelled with the bank to make sure the smooth functioning of KRA Activities.

Credit Manager (Retail Asset)

BANDHAN BANK LTD.
07.2020 - 01.2022
  • Responsibility for underwriting application of unsecured Retail Asset loans, based out in Head office in Kolkata and looking for pan-India portfolios.
  • Examine & securitizing the entire credit application documents, bureau etc.
  • And ensuring all criteria fulfillment as per policy guidelines using bank approved credit policies and necessary financial tools.
  • Imparting training to counterpart Teams for quality application sourcing for minimal delinquency.
  • Analyzing the portfolio health and risk involved in particular segments of assets & profile and giving timely feedback to sales team by maintaining the Minimum TAT & providing end to end resolution within company's limitations.

Education

Post-Graduation, MBA (Finance) -

Utkal University
01.2020

Graduation, B.Tech (Electrical) -

KIIT University
01.2018

12th, Science (CBSE) -

D.A.V Public School, BBSR
01.2014

10th, Science -

St. Xavier's High School
01.2012

Skills

  • Fraud Analysis
  • Risk Management
  • Finance & Audit
  • Credit Risk
  • Team Handling
  • Unsecured loans underwriting
  • Agency Management
  • Being highly analytical, with strong numeracy skills and experience in analyzing financials
  • MS Office(Word, Excel, Power Point,)
  • Data Base Management using SQL
  • Basic level Adobe Photoshop and hands on website builder
  • Programming Language: C, C, Java Core

Certification

Pursuing Moody's Certification in Commercial Credit

Languages

English
Bilingual or Proficient (C2)
Hindi
Bilingual or Proficient (C2)

Personal Information

Date of Birth: 01/12/96

Timeline

Location Manager (Credit Intelligence & Control)

HDFC BANK LTD.
01.2022 - Current

Credit Manager (Retail Asset)

BANDHAN BANK LTD.
07.2020 - 01.2022

Post-Graduation, MBA (Finance) -

Utkal University

Graduation, B.Tech (Electrical) -

KIIT University

12th, Science (CBSE) -

D.A.V Public School, BBSR

10th, Science -

St. Xavier's High School

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NIRMAL MAHAPATRA